Lion of Africa Life Assurance Company Ltd has its roots from the African People’s Organisation Burial Society Proprietary Ltd (“APO”), founded in 1902 with the aim of promoting the political and economic interests of the marginalised community. In June 1944 the APO was registered as an insurer, conducting assistance business. In 2002 Commlife Holdings Proprietary Limited (“Commlife”), an investment holding company, acquired APO and changed its name to Lion of Africa Life Assurance Company Ltd. In 2005 Lion of Africa Life Assurance Company Ltd was licensed by the Financial Services Board in terms of the Long-Term Insurance Act (no 52 of 1998).

Over the past 10 years Lion of Africa Life Assurance Company Ltd has evolved from an assistance business insurer to a diversified financial service provider. From a financial perspective Lion of Africa Life Assurance Company Ltd has grown from strength to strength; we have seen our total assets grow by more than 250% and our premium income increase by over 2 000%.

Lion of Africa Life Assurance Company Ltd is a proud company with strong guiding principles and a core value of always having a client centric focus. We strive to provide our clients with products that fit their specific needs, service and advice that consider their specific circumstances and fairness throughout the time we call them our clients.

By taking this policy you have become our client; a building block in the future of Lion of Africa Life Assurance Company Ltd. Thank you.

Lion of Africa Life Assurance Company Ltd

This document, the application form, the policy summary that will be posted to the policyholder and all information received in support of the application constitutes the full policy. This will only become a valid policy of insurance once Lion of Africa Life Assurance Company Ltd accepts the application and the first premium has been received.

The Benefits you can select are shown in the table below – along with the page numbers in this document where you can find more details. A separate policy is issued for each Benefit.

The table also shows the various benefits under this product. Some of the benefits are automatically included in your policy, while others are optional.

Product	Benefits	Description	Page
Advanced Life Plan	Life Cover	Stand-Alone Benefit
	Physical Impairment (Disability)	Stand-Alone Benefit
	Critical Illness  (Dread Disease)	Stand-Alone Benefit
	Funeral Cover	Optional Add-On
	Survival Benefit (100% Cashback)	Optional Add-On
	Lion Life Assist	Included in the Life Cover benefit

Contract

Your policy is a contract with Lion of Africa Life Assurance Company Ltd, and the complete and only record of that contract. If anything in your application form or these policy provisions differs from your policy summary, the policy summary will apply.

Insurable Interest

You can take out insurance on your own life.  You can also take out insurance on the lives of others, but you can do that only if you have an interest in the other person that our law recognises as worthy of insurance protection, referred to as insurable interest.  You have such an interest in, for example, your spouse, children, parents, parents-in-law and other family members.  Your claim can be declined if, when you claim, you cannot prove that you had the required interest and suffered a subsequent loss.

Permanent Employment

At date of Acceptance the policyholder must be permanently employed in order to qualify for this policy.

Who are the different role players who form part of your policy?

• Lion of Africa Life Assurance Company Ltd is the insurer.
• The Policyholder is the owner of the policy who holds and exercises the rights in the policy. The policyholder must be 18 years or older.
• The Premium Payer is the person responsible for paying the premiums of the policy. Under this policy this must be the policyholder.
• The Life Assured is the person on whose life the policyholder takes out insurance.
• The Beneficiary or beneficiaries is/are the people nominated by the policyholder to receive the policy benefits after the death of a life assured. The policyholder may select a maximum of four beneficiaries and indicate the percentage split of the benefit. The policyholder may request Lion of Africa Life Assurance Company Ltd to change a nominated beneficiary at any time.
• The Cessionary is the person or the party to whom you transfer your rights of the benefits under your policy.

South African Citizenship

The policyholder, lives assured and beneficiaries must all be South African citizens.

Entry age

Your age at entry will be your Age Last Birthday on date of Commencement.

Important Dates

• The Acceptance Date is the date on which the policy application is accepted by Lion of Africa Life Assurance Company Ltd.
• The First Deduction Date is the date which you indicated Lion of Africa Life Assurance Company Ltd may deduct the first premium on your policy.
• The Commencement Date is the first day of the month in which Lion of Africa Life Assurance Company Ltd receives the first monthly premium.

Can the Commencement Date change?

Lion of Africa Life Assurance Company Ltd reserves the right to move the Commencement Date to the same date of the following month should your premium not be paid on the original First Preferred Deduction Date.  All waiting periods will be calculated from the new Commencement Date.  Lion of Africa Life Assurance Company Ltd will move the Commencement Date a maximum of 2 (two) times, after which, if the first premium is still not paid, the policy will be deemed as “not taken up” and you will not be entitled to any benefits from this policy.

Can changes be made to the policy?

The policyholder can make changes to the policy. The application for changes must be done in writing on an application which Lion of Africa Life Assurance Company Ltd will provide.  If Lion of Africa Life Assurance Company Ltd approves the changes, they will apply from the beginning of the month following the month in which it is approved.

What is defined as death due to an accident?

It means an unexpected death caused only by unnatural, external, accidental, violent and visible means.

Who is defined as a Spouse under this policy?

The person to whom the policyholder is married, and which marriage is accepted under the law of South Africa – including civil, customary or same-sex marriages, or with whom the policyholder lives in a relationship similar to a marriage, which relationship is intended to be permanent like a marriage and has existed for at least 2 (two) years.  A maximum of 1 (one) spouse may be nominated under the Spouse Funeral Benefit (as part of Life Cover). The remaining spouse(s) must be nominated under the Optional Add-On Funeral Cover.

Who are Immediate Family Members under this policy?

It is the policyholder, the policyholder’s spouse and the policyholder’s unmarried children, including legally adopted and stepchildren under the age of 21 (or 26, if he/she is a full-time student).  Physically and mentally disabled children will be covered indefinitely. Immediate Family Members may be added on the Funeral Cover at any time; applicable waiting periods will apply.

Who are Extended Family Members under this policy?

Extended family members refer to the policyholder’s parents, parents-in-law and relatives. Extended Family Members may be added on the Funeral Cover at any time; applicable waiting periods will apply.

Waiting periods

Means the period(s) within which Lion of Africa Life Assurance Company Ltd will not pay any benefit or pay a specified percentage of the total benefit for a claim which arises from death due to natural causes.  When a new life assured is added to the policy, all waiting periods will apply to the new life assured.  Waiting periods will start from Date of Commencement or Date of Reinstatement (if applicable).

What is the maximum benefit amount per life assured?

Lion of Africa Life Assurance Company Ltd imposes a maximum assured limit per benefit per individual covered on their policies; where the maximum benefit amount, excluding annual benefit escalations, are:

• Life Cover R300 000
• Physical Impairment (Disability) R200 000
• Critical Illness (Dread Disease) R200 000
• Funeral Cover R  10 000

When will benefits be paid under your policy?

Benefits will only be paid if the assured event occurs for lives assured listed in the policy schedule, if the policy is active and the correct premium is being paid and received by Lion of Africa Life Assurance Company Ltd.  The benefit amount is shown on the policy schedule. No benefits will be paid prior to the Commencement Date.

Does your policy have a cash value?

The policy is a risk cover policy only.  No part of the policy makes provision for investment.  The policy does not have a cash value and no loan can be made against the policy.

Is a life assured covered outside the borders of South Africa?

The life assured has to inform Lion of Africa Life Assurance Company Ltd if he/she leaves the borders of South Africa for a period of more than 6 (six) months or permanently.  In this event the life assureds’ benefits will automatically terminate after 6 (six) months out of the country.

If the life assured does not inform Lion of Africa Life Assurance Company Ltd of the change, benefits will only be paid at the discretion of Lion of Africa Life Assurance Company Ltd should the risk regarding the life assured not have increased materially.

Can the rights to benefits be transferred?

The policyholder may transfer his/her rights to the benefits under this policy to an individual or institution. This is called a cession which is a transfer of rights to benefits under this policy to an individual or institution, whereby all or certain rights are given up to the cessionary.

A transfer will only be valid if Lion of Africa Life Assurance Company Ltd is informed in writing of the transfer of a policy. This cession will only be effective if Lion Of Africa Life Assurance Company Ltd acknowledges it in writing.  Lion of Africa Life Assurance Company Ltd is not responsible for the legality of the cession agreement between the policyholder and the cessionary. If Lion of Africa Life Assurance Company Ltd has recorded a cession, any benefits that become due will be paid to the cessionary.  Your policy may only be ceded once the waiting period has expired.

When does your policy come to an end?

The policyholder can give written notice of cancellation.  If a cancellation notice reaches Lion of Africa Life Assurance Company Ltd within 30 (thirty) days after the policyholder received the policy summary, the policy will be cancelled and we will refund any premiums that have been collected to the premium payer less the amount charged for any cover enjoyed during that time. This is known as a cooling-off cancellation period.

If a cancellation notice reaches Lion of Africa Life Assurance Company Ltd after the 30 (thirty) days, the policy will end at the end of the month in which it is received and the policyholder will be bound by the terms and conditions of the policy.

The policy will come to an end when the insured event occurs and Lion of Africa Life Assurance Company Ltd has fulfilled all contractual duties under the terms and conditions of the policy.

The policy will lapse when 3 (three) consecutive premiums have not been collected successfully, or if 6 (six) premiums have not been collected successfully during the lifetime of the policy.

Can a policy be reinstated?

If the policyholder cancels a policy, or if it has ended because premiums were not paid, the policyholder may, within 90 (ninety) days, apply for it to be reinstated, subject to payment of all outstanding premiums and any policy provisions which Lion of Africa Life Assurance Company Ltd may require.

Continuation of cover

On the death of the policyholder (if the policyholder is not the life assured on a Stand-Alone Benefit), the life assured covered on one of the Stand-Alone Benefits can become the new policyholder and premium payer.  The new policyholder has to notify Lion of Africa Life Assurance Company Ltd in writing within a period of 30 (thirty) days after the event.

The benefits will be paid to the policyholder if the policyholder is still alive at claim stage.  Upon the death of the policyholder, the benefits will be paid to the nominated beneficiaries.

After an event giving rise to a claim, Lion of Africa Life Assurance Company Ltd must receive all necessary documentation for a claim within 90 (ninety) days after the event, as will be specified by Lion of Africa Life Assurance Company Ltd from time to time.  Lion of Africa Life Assurance Company Ltd will consider claims according to the product rules and claim procedures.

If any claim under this policy involves fraud, misrepresentation or false information, such as incorrect age or relationship, the policy will be cancelled. In this case no benefits will be paid and no premiums will be refunded.

Exclusions under this policy

• Insanity
• Participation in any riot, strike, commotion or rebellion
• War, riot, civil commotion or terrorist activity
• Wilful exposure to danger
• Involvement in a criminal activity
• Radioactivity or a nuclear explosion
• Use of a drug, other than prescribed by a registered medical practitioner
• Use of alcohol above the legal limit in force at that time
• Attempted suicide or injuries self-inflicted, wilfully or through gross negligence

Information on unpaid or unclaimed benefits

It is the responsibility of the policyholder as owner of the policy to make sure that Lion of Africa Life Assurance Company Ltd has up-to-date contact information of all the relevant role players under this policy.

Medical conditions that existed before the cover started

These are known as pre-existing medical conditions.  The Life Cover, Physical Impairment (Disability) benefit and Critical Illness (Dread Disease) benefit will not be paid if the claim relates to the life assured having had in the past, or intended to have in the near future, (at time of application) any doctor’s visits, diagnosis and/or treatment for any condition relating to heart, blood circulation, bleeding disorders, epilepsy, recurrent breathing problems, liver, kidney, urinary, diabetes/sugar or cancer/tumour.

Premiums are paid monthly

The premiums of your policy are payable monthly, before the end of every month.  A premium received in a particular month provides cover for that month.

Should anyone insured on the policy die, the premium will be reduced accordingly.

Premiums can be reviewed

The monthly premiums will be fixed for the first 12 (twelve) months from Date of Commencement. It could happen that your premiums need to be reviewed so that your policy continues to comply with the risk profile, claims experience or expenses under the product. This could result in an increase or decrease of your premiums, as well as your benefits.

If this happens, we will inform you in writing at least 30 (thirty) days before the change takes place.  In the event of an increase of premiums, you may opt to lower your benefits in order to retain cover.

Yearly Increase of Benefits and Premiums

Every year on policy anniversary the benefits will increase by 4% (four percent) and your premiums by 7% (seven percent).

The policy has several Stand-Alone Benefits, as well as Optional Add-On Benefits which can be selected to cater for the different financial needs of the policyholder.

The Stand-Alone Benefits are:

• Life Cover (includes funeral cover for the spouse equal to 10% of the Life Cover amount to a maximum of R10 000)
• Critical Illness (Dread Disease)
• Physical Impairment (Disability)

You can select any combination of the 3 (three) Stand-Alone Benefits.  After Lion of Africa Life Assurance Company Ltd makes a payment on a Stand-Alone Benefit, the other Stand-Alone Benefits, if selected, are still fully available to subsequent claims of the relevant nature.

Optional Add-On Benefits which can be added to the Stand-Alone Benefits are:

• Survival Benefit (Cashback): available on Stand-Alone Benefit as well as on Funeral Cover.
• Funeral Cover: You can cover up to 10 (ten) dependent family members, up to a maximum of R10 000 (ten thousand Rand) cover per life assured.

Life Cover, Critical Illness (Dread Disease), Physical Impairment (Disability) and Funeral Cover are all known as Risk Benefits.

• Survival Benefit (Cashback): available on Stand-Alone Benefit as well as on Funeral Cover.
• Funeral Cover: You can cover up to 10 (ten) dependent family members, up to a maximum of R10 000 (ten thousand Rand) cover per life assured.

This benefit protects the policyholder and spouse, if selected, against mortality risk (death) and has the following features:

Policy term:                                                             Whole of life

Entry ages:                                                              18 – 65 (Age Last Birthday on Date of Commencement)

Policyholder cover:                                                 R50 000 – R300 000

Additional Benefits included:                                 Lion Life Assist

Spouse Funeral Cover

Optional Add-On Benefits:                                     Survival Benefit (Cashback of Life Cover premiums as at Commencement Date, no increases are included)

Funeral Cover for dependent family members

The life assured can be the policyholder or policyholder’s spouse.

No medical tests required.

The Life Cover Benefit is paid when the life assured dies.

Waiting Periods

If the life assured dies because of an accident, no waiting period will apply and the full benefit amount will be paid to the beneficiary or to the life assureds’ estate.

If the life assured dies of a natural cause, the following percentage of the benefit amount is paid:

If, calculated from Date of Commencement, you die of a natural cause	The following percentage of the Benefit Amount can be claimed
In the first 6 months	0%
In months 7 to 12	10% limited to R10 000
In months 13 to 18	50%
19 months +	100%

 

If the life assured commits suicide in the first 6 (six) months from Date of Commencement, no benefit will be paid. Should it happen during months 7 (seven) to 24 (twenty-four), 10% (ten percent) of the benefit amount will be paid, limited to R10 000 (ten thousand Rand).  From month 25 onwards, 100% (one hundred percent) of the Benefit Amount is payable.

The Spouse Funeral Benefit only applies if the Life Cover Benefit is selected.  No additional premiums are payable for the Spouse Funeral Benefit.  Only one spouse may be selected for the Spouse Funeral Cover.  Additional spouse(s) can be nominated under the Optional Add-On Funeral Cover.

Physical Impairment (Disability) covers the life assured against bodily injury, caused by an event which is external, violent and not sought out by the life assured.  The maximum pay-out for any life assured is limited to 100% of the original benefit amount.

The Physical Impairment (Disability) benefit has the following features:

Policy term:                                                             Benefit ceases on 65^th birthday

Entry ages:                                                              18 – 59 (Age Last Birthday on Date of Commencement)

Policyholder cover:                                                 R75 000 – R200 000

Additional Benefits included:                                 Lion Life Assist

Optional Add-On Benefits:                                      Survival Benefit (Cashback of Physical Impairment premiums as at Commencement Date, no increases are included)

Funeral Cover for dependent family members

The life assured can be the policyholder or policyholder’s spouse.

No medical tests required.

Waiting Periods

The following percentage of the benefit amount is paid:

If, calculated from Date of Commencement, you become physically impaired	The following percentage of the Benefit Amount can be claimed
In the first 6 months	0%
In months 7 to 12	10% limited to R10 000
In months 13 to 18	50%
19 months +	100%

 

This benefit payable, depending on the impairment, will be the following percentage of the original cover amount selected. The maximum total pay-out for the life assured is limited to 100% of the original cover amount:

Impairment (Disability)	Benefit Amount
Quadriplegia	100%
Paralysis	75%
Permanent cognitive impairment	100%
Loss of leg above the knee	50%
Loss of leg below the knee	25%
Loss of arm above the elbow	50%
Loss of arm below the elbow	25%
Loss of one hand or one foot	25%
Loss of both hands or both feet	50%
Loss of one hand and one foot	50%
Loss of sight (one eye)	25%
Loss of sight (two eyes)	50%
Loss of hearing (one ear)	25%
Loss of hearing (two ears)	50%
Loss of speech	50%

 

Quadriplegia – the total and irreversible loss of the use of both legs and both arms through injury or illness.

Paralysis – the total and irreversible loss of the use of both legs or the irreversible loss of both arms through injury or illness.

Permanent Cognitive Impairment – presenting with permanent impairment of perception, memory, or abstract thinking that significantly interferes with one’s ability to perform personal, social and occupational activities.  It may also involve impaired judgment, inattentiveness, impulsiveness, and/or impairment of speech and language.

Loss of sight (one eye) – the total and irreversible loss of sight in one eye, that is the overall extent of visual acuity of 3/60 or worse, with the use of visual aids.  This must be certified by a registered ophthalmologist.

Loss of sight (two eyes) –  the total and irreversible loss of sight in both eyes, with overall visual acuity of 3/60 or worse in the better eye, with the use of visual aids. This must be certified by a registered ophthalmologist.

Loss of hearing (one ear) – the total and irreversible loss of hearing in one ear.  The diagnosis has to be confirmed by a registered Ear, Nose and Throat (ENT) specialist and evidenced by means of audiometry.  Total deafness means that the average hearing levels, tested with hearing aids when applicable, at audible frequencies is more than 90 decibels loss of hearing.

Loss of hearing (two ears) – the total and irreversible loss of hearing in both ears.  The diagnosis has to be confirmed by a registered Ear, Nose and Throat (ENT) specialist and evidenced by means of audiometry.  Total deafness means that the average hearing levels, tested with hearing aids when applicable, at audible frequencies is more than 90 decibels loss of hearing.

Loss of speech – the total and irreversible loss of the ability to speak.  This has to be certified by a registered physician or neurologist, as well as a speech therapist.  Claims will only be considered if the loss of speech has lasted for at least 12 months.  Psychogenic loss of speech is excluded from cover.

This benefit protects the life assured only against morbidity risk (dread disease) and has the following features:

Policy term:                                                             Benefit ceases on 65^th birthday

Entry ages:                                                              18 – 59 (Age Last Birthday on Date of Commencement)

Policyholder cover:                                                 R75 000 – R200 000

Four ASISA conditions:                                            CABG, stroke, cancer and heart attack; cover for ASISA severity level D (least severe)

Additional Benefits included:                                 Lion Life Assist

Optional Add-On Benefits:                                     Survival Benefit (Cashback of Critical Illness premiums as at Commencement Date, no increases are included.)

Funeral Cover for dependent family members

The life assured can be the policyholder or policyholder’s spouse.

No medical tests required.

Waiting Periods

The following percentage of the benefit amount is paid:

If, calculated from Date of Commencement, you become critically ill	The following percentage of the Benefit Amount can be claimed
In the first 6 months	0%
In months 7 to 12	10% limited to R10 000
In months 13 to 18	50%
19 months +	100%

 

This benefit covers:

Condition	Insured Event
CABG (Coronary Artery By-pass Graft)	The undergoing of surgery to correct the narrowing of, or blockage to, one or more coronary arteries by means of a by-pass graft.
Stroke	Death of brain tissue due to inadequate blood supply or haemorrhage within the  skull  resulting  in  neurological  deficit  lasting  longer  than  24  hours, confirmed by neuroimaging investigation and appropriate clinical findings by a specialist neurologist. For the above definition, the following are not covered: ·         Transient ischaemic attack ·         Vascular disease affecting the eye or optic nerve ·         Migraine and vestibular disorders ·         Traumatic injury to brain tissue or blood vessels
Cancer	A malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue.  The term malignant tumour includes leukaemia, lymphoma and sarcoma. The following conditions are excluded from this definition: ·         All cancers in situ and all pre-malignant conditions ·         All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0 ·         All skin cancers, other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin)
Heart Attack	Death of heart muscle, due to inadequate blood supply, as evidenced by all three of the following criteria: 1.        Compatible clinical symptoms and 2.        Characteristic ECG changes, e.g. ST-segment and T-wave changes indicative of myocardial ischaemia or myocardial infarction, and 3.        Raised cardiac markers: ·         Trop T > 0,5 ng/ml or Trop I > 0,25 ng/ml, or ·         Raised CK-MB mass ·         Up to 2 times normal values in acute presentation phase, or ·         Up to 4 times normal values post-intervention ·         Total CPK elevation of up to 2x normal values, with at least 6% being CK-MB The evidence must show a definite acute myocardial infarction.  Other acute coronary syndromes, including but not limited to angina, are not covered by this definition. ECG  changes  indicative  of  myocardial  ischaemia  that  may  progress  to myocardial infarction, mean the following: 1.        Patients with ST-segment elevation: New or presumed new ST segment elevation at the J point in two or more contiguous leads with the cut-off points greater than or equal to 0.2mV in leads V1, V2,or V3, and more or equal to 01.mV in other leads.  Contiguity in the frontal plane is defined by the lead sequence AVL, I, inverted AVR, II, AVF, III. 2.        Patients without ST-segment elevation: a)        ST-segment depression b)       T-wave abnormalities only

This funeral cover protects the policyholder’s dependent family members against mortality risk (death) and has the following features:

Policy term:                                                             Whole of life

Entry ages:                                                              0 – 84 (Age Last Birthday on Date of Acceptance)

Life assured cover:                                                 R1 000 – R10 000

Optional Add-on benefit:                                       Survival Benefit (Cashback Funeral Cover premiums as at Commencement Date, no increases are included)

You can cover up to 10 (ten) lives assured.  This benefit can only be selected as an Optional Add-On Benefit to the policy and not as a stand-alone benefit.

If the policyholder or the policyholder’s spouse becomes pregnant, she automatically qualifies for cover of R1 250 for a stillborn child.  This amount is payable once during the lifetime of the policy and will only be paid if the pregnancy lasted 26 weeks or more.

Waiting Periods

Accidental Death

No waiting period will apply and the lives assured will have immediate cover.

Death due to Natural Causes

6 (six) month waiting period for lives assured up to the age of 65 years and a 9 (nine) month waiting period for lives assured older than 65

years (age last birthday).

A benefit will not be paid if the life assured commits suicide within 24 (twenty four) months.

When a new life assured is added to the policy all waiting periods will apply to the new life assured.

If you increase a benefit, all waiting periods will apply to the amount by which the benefit is increased.

Should any life assured die, the premium will be reduced accordingly.

How will a claim for this benefit affect your policy?

Benefits are paid within 48 (forty eight) hours of us receiving all required information and documentation. The benefit amounts of any Stand-Alone Benefits are not reduced by the claim amount paid out.

The Survival Benefit is an Optional Add-On Benefit under this policy which can be added to your Life Cover, Physical Impairment (Disability), Critical Illness (Dread Disease) and/or Funeral Cover.

This benefit pays back the premiums, which exclude the Survival Benefit premium and premium increases, as calculated at Date of Commencement, on all selected benefits after every 10 (ten) claim free years.  The Survival Benefit on Critical Illness and Physical Impairment also pays out on the policyholder’s 65th birthday, as these benefits cease at that age.

If the Survival Benefit is selected for dependent family members on the Funeral Benefit, it will automatically apply to all lives assured on Funeral Cover.

If multiple family members are covered under the Funeral Cover benefit and one of them dies, the Survival Benefit premium will reduce accordingly.

If the Survival Benefit option is selected on multiple benefits, the Survival Benefit is not influenced by a claim on an alternative benefit.  For example, if you have Life Cover as well as Critical Illness Benefits, then, should you claim for your Critical Illness Benefit, you will not receive your 10-year Survival Benefit for Critical Illness, but the Survival Benefit associated with your Life Cover will still continue.

No partial benefit is payable on lapse, cancellation or death within each 10 (ten) year period.

The Lion Life Assist Helpline aims to provide its clients with the best value added benefits for emergency, funeral, legal, health and trauma services which reduce the impact of any dire occurrence that life may present.

As a Lion of Africa Life Assurance Company Ltd policyholder, you have 24/7 access to these excellent benefits.  We encourage you to use these benefits and experience what positive difference it can make in your life.

When phoning the helpline, you will be required to quote your Lion of Africa Life Assurance Company Ltd policy number, or alternatively your personal details to verify your membership.

What it offers you:

• Personal Health Advisor
• Emergency Medical Services
• HIV/AIDS advice and counselling
• Legal Assist
• Funeral Assist and Repatriation of mortal remains
• Telephonic Trauma Counselling
• Tax and Financial Assist
• Point-to-Point Transportation
• Teacher on Line

The Personal Health Advisor

This round the clock service assist with:

• Assessing your symptoms and referring you to the correct level of health care- whether the problem is a nagging cough or severe burn.
• Providing you with important health knowledge on any aspect of health (you may have been advised to undergo some type of surgery or you just need more information on a condition such as lice or mumps)
• Providing expert counselling on any chronic ailment or disease and helps you to manage your condition or that of a loved one e.g. drug addiction or cancer
• Providing expert information on medicines, their purpose and side effects
• Providing access to drug information database
• Providing general medical information such as dietary assistance, inoculations or baby immunizations

Emergency Medical Services

This 24 hour medical emergency assistance helpline has trained paramedics who assist in the event of a medical emergency, within the borders of South Africa. A medical emergency is a life threatening situation such as a heart attack, bomb blast, snakebite, car accident gunshot wound

In an emergency event the following assistance will be provided:

• The dispatch of an ambulance
• Emergency telephonic medical information where necessary, inter-hospital transfers can be arranged
• Emergency message transmission
• Arrangements for compassionate visit by a family member
• Arrangements for the escorted return of minors after an accident
• Repatriation of mortal remains to an appropriate facility in the normal area of residence after an accident

HIV/ Aids advice and counselling

In the event of trauma such as rape, members have access to a 24 hour counselling facility, HIV/Aids testing and ARV treatment:

• Access to the Lion-assist database of specialized practitioners, including medical and psychological referrals
• Follow up call to ensure treatment is being correctly an effectively administered
• Telephonic counselling

If the anti-retroviral treatment is not available within 72 hours of the incident, EA Touch will deliver the treatment within 72-hours

Benefits include:

• 3 Day starter pack
• 28 day course of appropriate anti-retroviral treatment
• The “morning after pill”
• Prophylactic STD treatment
• Medical consultations
• Pathology tests
• 24 hour telephonic assistance
• Access to the EA Touch Disease Management’s HIV/AIDS

Legal Assist

This helpline operates during office hours only and offers qualified and experienced Attorney’s, providing guidance and advice on legal matters such as:

• General legal advice is offered on criminal offences, fines debt, contracts, divorce, maintenance and other related legal advice. Labour law specialists are also available to give advice on the Labour Relations Act, Basic Conditions of Employment Act and other labour related matters.
• Attorneys are available to help at the scene of an accident as well as dealing with legal matters thereafter. All legal matters and claims that follow a collision are handled. These include vehicle damages, repairs, injuries and third party claims, as well as litigation and prosecutions that may follow.
• In-house attorneys have access to a national referral panel of practicing attorneys if the client needs to appear in court.
• Free 30 minute consultation per case.

Funeral Assist and Repatriation of Mortal Remains

Specially trained case managers are able to manage all aspects of death, from bereavement counselling for the family, to assistance with funeral arrangements. Funeral support includes:

• Identifying the exact location of the deceased,
• Arranging and facilitating overnight accommodation for the next-of-kin when having to identify the body outside the normal area of residence.
• Payment and arrangement for the repatriation of the mortal remains to a place of burial within South Africa at no cost to the member
• Advise and refer the bereaved family to a reputable undertaker
• Advice on funeral documentation e.g. death certificate, interpreting funeral policy, etc.

Telephonic Trauma Counselling

Should the client need assistance following a traumatic experience such as a death in the family, hijacking or serious illness, guidance and counselling will be provided 24-hours a day from experienced and caring counsellors.

The product comprises of the following:

• Telephonic Trauma Counselling
• Telephonic trauma debriefing, 24-hours a day by qualified nurses. If necessary, the caller may be referred to the next level of counselling,
• Face to Face Trauma Counselling
• If the nurse’s assessment indicates that the client needs professional assistance, a face to face counselling session will be arranged. The caller will be referred to a network of social workers/ psychologists in their specified area for face to face counselling sessions. The cost of these sessions is paid by the patient.

Tax and Financial Assist

We take the stress and jargon out of personal tax and finances.   This help line offers guidance and information on taxation and finance related matters to enable you to make informed decisions about your financial status. The line operates during normal working hours and qualified and experienced experts respond to queries.

Benefits to the member

You simply log your request for assistance with the Europ Assistance SA call centre agent and an expert tax or financial consultant will call you back at no cost to you.  Access to the service is unlimited and available during normal office hours.

 

We provide efficient and accurate tax advice on any issue related to:

• The completion of income tax returns
• The calculation of taxes payable o Allowable deductions
• Estate tax
• Retirement benefits and planning
• Administrative issues and new tax amendments
• General banking advice i.e. how to read a bank statement, how debit orders work, etc.

Financial planning advice includes 

• General banking advice i.e. how to read a bank statement, debit orders work, etc.
• Budget planning for all stages of life.

These stages could include the following or a combination thereof:

Study	Working	Family	Retirement
School Studying after school	First job Working years Preparation for retirement	Single Married Divorced Staying together Kids	Enjoy retirement Earn extra income

 

Debt

• Debt assessments and referrals for debt counselling or administration;
• Post retrenchment financial planning and advice;
• Advice on estate planning;
• Assistance with drafting a will
• Advice on how to apply for a death certificate, and where applicable, the necessary documentation if the deceased is to be buried outside South Africa;
• Assistance with interpretation of any legal documentation such as a funeral policy and the procedure to be followed.

Benefits to client

Low-cost, no-risk, value added benefit for your members or employees.

Financially educated members are in control of their finances more likely meet their financial obligations – decrease in cancelled policies due to unpaid premiums

Terms and conditions

The service is only available to validated members via the Europ Assistance SA call centre.

Any assistance other than telephonic tax and financial advice will be for the members account

Point-to-Point Transportation

Our point to point service can facilitate transportation for direct family members to the funeral location and is limited to two incidents per annum.

Benefits to member

The service is available to members where the total trip from pick-up or drop off point does not exceed a 50km and is available within any of the following metropolitan areas: Johannesburg, Pretoria,   Cape Town and Durban, Port Elizabeth, East London, Bloemfontein, Kimberly, Kathu, Upington.

Designated drivers are equipped with a cellular phone and have access to GPS.

If the member exceeds the total number of covered incidents for the period, the member can still make use of the service but the booking will be facilitated through the designated provider.  The contact centre will assign the nearest available registered driver.  Our contact centre maintains regular contact the driver to check in on delivery of the service.

Booking procedures

Members can make use of our service by calling our contact centre. To ensure timeous arrival, bookings should be made at least 60 – 90 minutes in advance but early booking is encouraged.  In an event of an emergency the contact centre could be contacted for a booking, subject to the availability of drivers.  The contact centre will alert the client of the estimated waiting time should a driver not be available.

Additional passengers

The service is available to the member and up to a maximum of two passengers may be collected from a single pick-up point and transported to a single drop-off point. The service will not allow for various drop-off points, drop-off is a single destination determined by the member at the time of logging the call.

Cancellation

Any bookings cancelled less than 60 minutes before the proposed collection time, will be billed at the full rate and deducted from the member’s total covered incidents.

Teacher on Line

Teacher-On-Line provides telephonic academic assistance that allows learners to interact with a qualified teacher on a variety of subjects. In addition to our current telephonic assistance we now offer the following:

Benefits

• CAPS aligned curriculum preloaded on the interactive teacher platform.
• We provide assistance to students, grade 4-12,
• The curriculum we work from is CAPS aligned and relevant to both public and private schools, in all major subjects.
• Teachers have access to fully animated lectures (Video clips teaching you concepts with detailed diagrams and animations. These videos make it easy for students to visually follow and understand their study material.)
• Interactive tests that get marked automatically (Instantly marked questions that reinforce your understanding. After watching the animated lectures, learners complete the quiz to test their knowledge.)
• Summaries (Fast, easy access to the key areas of a topic. Comprehensive notes, graphs and illustrations that can be printed or saved to the student’s device for future use.)
• The service is available in English and Afrikaans
• Students have access to the teachers, Monday to Thursday between 18:00 and 21:00 (during school terms).

These improved features allow teachers to interactively communicate with the student through the virtual classroom. This also allows the teacher to view the student’s work and guide them through their question.  The software will build an individual student profile which creates a history and context of the problem areas the student experiences. Proven to improve students’ understanding of the work and boost their marks

• It makes studying fun which helps students remember the work better and help them learn from their mistakes
• Replaces the need for expensive extra lessons

Important notes:

The benefits are available in South Africa as long as the life insured lives, works or travels in South Africa. Telephonic medical assistance, telephonic trauma counselling and transport of the deceased are available in Lesotho, Swaziland, Namibia, Zimbabwe, Botswana and Mozambique, below the 22 degree parallel line, if the life insured is in these countries.

Some of the benefits are provided only on the death of the life insured, and become available when the claim for the funeral death benefit is approved.

Lion Life Assist benefits will not be paid where the life insured dies of natural causes or commits suicide within six months after the benefit for that life insured began. The services are provided by outside service-providers, and every service is available as a benefit under your policy as long as it is provided by them. You consent that we give to these service-providers so much of the information provided to us for the purposes of this policy as is necessary and sufficient for them to provide for these services.

Complaints procedure

If you are not satisfied with this policy or the service of the Administrator, you can write to the Lion of Africa compliance officer at the head office address given above. Remember to include all supporting documents. The compliance officer will acknowledge the complaint in writing, and provide you with the contact details of the person that is most likely to resolve it.

If you are not satisfied with the outcome of the complaint you may contact the Ombud (whose details appear below).

About us

Lion of Africa is a product supplier. Lion of Africa does not render financial services on behalf of other financial services providers. We do not receive any cash or non-cash remuneration from third parties for the products we produce and sell to our clients (no conflict of interest exist).

Insurer Details

Lion of Africa Life Assurance Company Ltd is registered with the Financial Services Board in terms of the Long-Term Insurance Act (52 of 1998).

Registration Number:	1942/015587/06
FSP Number:	15283
Street Address:	1st Floor Block D, The Boulevard Office Park, Woodstock, 7925